Associate Resolutions Officer
Company: Disability Solutions
Posted on: November 20, 2022
Farm Credit Mid-America is a financial services cooperative
serving financial needs of farmers and rural residents across
Indiana, Ohio, Kentucky and Tennessee for over a century.Our
purpose is to secure the future of rural communities and
agriculture - one home, one farm and one business at a time. We are
passionate about serving the needs of our rural communities and
creating positive customer experiences. Farm Credit Mid-America is
a great place to work!We have been named as a Best Places to Work
in Kentucky for the past 10years. At Farm Credit Mid-America we put
our customers and team members at the heart of all we do. SCHEDULE:
TRAVEL REQUIRED: 0% - 25% About Our Opportunity The Associate
Resolutions Officer (ARO) serves the Association's internal and
external customers by managing and servicing assigned accounts that
are substandard classified. The primary goal of the ARO is to
assist a borrower in returning to viability, or assist in exiting
the lending relationship if viability is not possible. AROs work
with SAU customers to evaluate the financial position and
facilitiate servicing options on accounts where viability is
attainable. AROs support the RO with loan origination and servicing
actions inside FCMA origination systems, delivery of credit and
continuous communication with the customer during the approval
process. The ARO will interview and listen to customers who are
applying for credit, loan restructure, servicing actions and
renewing operating loans. This position is expected to accommodate
customer needs and serves as a backup to Resolutions Officers as
needed. TRAVEL REQUIREMENTS: 10% of the time out of office for
local travel. How You Will Spend Your Time PORTFOLIO MANAGEMENT:
Manages a multi-million dollar adverse portfolio to resolve
accounts and continue servicing objectives set forth in action
plans. Communicates with customers often to make determinations on
what their needs are, while also balancing the Association's
interests in maintaining sound credit and acceptable nonaccrual
volume. Keeps accounts up-to-date and strive towards a goal of
returning accounts to viability, or making a determination about
the future lending relationship. Documents action steps in the
appropriate place and references these notes as requested. Coaches,
coordinates, and delivers group training to advocate for
proactivity in servicing high-risk accounts.
Supports RO(s) to service customers within the RO SAU and retail
portfolios. Collaborates with the RO and customers to understand
customer goals, credit strengths and weaknesses and deliver
value-added/constructive agricultural and financial information
that will assist them in their farming operation. Works with
Resolutions Specialists and Customer Support Specialist to complete
servicing actions required for customer circumstances and to
monitor the portfolio and soundly service loans that expose the
Association to risk. CREDIT EXPERTISE & ANALYSIS: Maintains the
quality, efficiency and effectiveness of customer service, credit
administration and management of high-risk accounts. The ARO will
build his/her expertise in the areas of agriculture and residential
credit, finance, technology, and the various market segments served
by FCMA. o Maintains a working knowledge of the relevance and
importance of financial information and documentation.
o Works with customers to help explain their financial situation
based upon data collected and analyzed. Uses this information to
make sound credit decisions within assigned delegated authority,
and supports these decisions and analysis in the Loan Servicing
o Obtains and processes new applications, renewals, and loan
o Delivers loan decisions, talking points and conditions.
o Occasional involvement in joint sales calls to enhance customer
o Follows guidance in all process guides as appropriate for the
role. REPRESENTS AND COMMUNICATES THE MISSION AND VALUES OF FARM
CREDIT MID-AMERICA and complies with its conduct policy, security
policy and confidentiality expectations. PERFORMS OTHER
RESPONSIBILITIES AS ASSIGNED. Minimum Education & Experience
Bachelor's degree in agriculture, business, or a related degree and
at least 2 years of successful experience in the
agriculture/lending field. Experience handling complex customers
who have more involved servicing needs preferred. Mental & Physical
Requirements This job requires the incumbent to have the ability
--- Engage in telephone and face-to-face conversation to serve
customers and give and receive information from customers, staff,
vendors, outside consultants and the public.
--- Use a computer and similar office technology and tools. This
involves reading the screen and keying/typing information.
--- Speak, deliver training, and make presentations to individuals
or groups on technical subjects related to job.
--- Travel via auto or commercial transportation to carry out
essential responsibilities of the job.
--- Successfully interact with and represent the Association to
customers, staff, officers, board members, vendors, and/or the
public at all levels.
--- Provide sound technical advice to customers and other staff in
the subject field(s) related to this position.
--- Understand and explain various subject matter and consulting
concepts, programs, terminology, and methods.
--- Reason, judge, compare, calculate, evaluate, decide, and
critique such information as written material, numerical data,
responses to customer needs, and/or other related work activities.
Requirements of the job include the ability to do the work, with or
without reasonable accommodations. It is the Association's policy
to make reasonable accommodations for individuals with
disabilities. Leadership retains the right to add, subtract or
change duties of the position at any time. Farm Credit Mid-America
provides a competitive total rewardspackage to our team members.
This includes an award winning 401(k) Plan.Our Health and Financial
wellness benefits provide safety, security and peace of mind for
you and your family.Here is only a highlight of what we provide our
- Medical Insurance - Two consumer-driven health plans available
paired with a tax-advantaged Health Savings Account (HSA) .
- Dental - Our dental plan offers option of basic or
- Vision Insurance
- Flexible Spending Accounts - Two Savings Plans to plan for
eligible healthcare expenses.
- Employee Assistance Program (EAP) - Mental Health providers for
you and your family.
- Income Protection - Short and Long-term Disability Insurance
- Retirement Savings - Team members have 401(k) savings options
with an employer match.
- Paid Time Off - Vacation, sick,and holidays. Farm Credit
Mid-America is an Equal Opportunity Employer and all qualified
applicants will receive consideration for employment without regard
to race, color, religion, sex, national origin, veteran status,
disability or any other category protected by law. Nearest Major
Keywords: Disability Solutions, Anderson , Associate Resolutions Officer, Other , Anderson, Indiana
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